CN102663587A - Method and system for electronic payment, mobile terminal, platform for load and payment platform - Google Patents

Method and system for electronic payment, mobile terminal, platform for load and payment platform Download PDF

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Publication number
CN102663587A
CN102663587A CN2012100655396A CN201210065539A CN102663587A CN 102663587 A CN102663587 A CN 102663587A CN 2012100655396 A CN2012100655396 A CN 2012100655396A CN 201210065539 A CN201210065539 A CN 201210065539A CN 102663587 A CN102663587 A CN 102663587A
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China
Prior art keywords
watermark
receipt
file
circle
receipt file
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CN2012100655396A
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Chinese (zh)
Inventor
李铭轩
王志军
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China United Network Communications Group Co Ltd
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China United Network Communications Group Co Ltd
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Priority to CN2012100655396A priority Critical patent/CN102663587A/en
Publication of CN102663587A publication Critical patent/CN102663587A/en
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Abstract

The invention provides a method and a system for electronic payment, a mobile terminal, a platform for load and a payment platform. The method comprises: that the payment platform receives a payment request which includes an account, a cipher, a transaction amount and a watermark receipt file pre-obtained by the mobile terminal sent from the mobile terminal; that the payment platform verifies a legality of the electronic receipt in the watermark receipt file according to the account, the cipher, a digital watermark in the watermark receipt file of the payment request; and that the payment platform deducts the transaction sum from the electronic receipt when the verified result is that the electronic receipt is legal. The technical scheme of the invention is based on digital watermark payment to carry on the electronic payment, so that the mobile terminal does not need the processes of encryption and decryption and the processing burden of the mobile terminal is reduced.

Description

Electric paying method, system, portable terminal, circle are deposited platform and payment platform
Technical field
The present invention relates to the electronic cash payment technology, relate in particular to a kind of electric paying method, system, portable terminal, circle and deposit platform and payment platform.
Background technology
Along with paying professional constantly popularizing by mails, people's consumption pattern no longer is confined to adopt the mode of cash to conclude the business, but increasingly begins to adopt virtualized mode such as electronic cash to be engaged in transaction flow.The electronic cash transaction mode is not only convenient and swift, and safe and effective.Pay service security property at present by mails and lay particular emphasis on the security that guarantees in the electronic cash intermediate links; Be to confirm the other side's legitimacy through the identification authentication mode in early stage between payment platform and the portable terminal; In sending corresponding electronic receipt process, adopt the mode of encryption and decryption, guarantee the safety of communication port.That is to say that portable terminal is encrypted electronic receipt earlier, sends to payment platform then; After payment platform is received the electronic receipt after the encryption, earlier electronic receipt is deciphered, and then carried out operation such as bill processing, to guarantee the security of electronic cash in the process of circulation.
Prior art has solved the safety problem in the electronic payment process to a certain extent, carry out encryption and decryption but these methods need to be directed against the information of sending in communication process, and the calculated amount of encryption and decryption itself is bigger, and the processing power of treatment facility is had relatively high expectations.Because pay by mails, especially the consumption end of mobile electronic payment need operate in electronic cash on the portable terminal basically, like this processing power of portable terminal to be had relatively high expectations, the processing burden of portable terminal is heavier.
Summary of the invention
The present invention provides a kind of electric paying method, system, portable terminal, circle to deposit platform and payment platform, in order to reduce the processing burden of portable terminal when paying by mails, reduces the requirement of paying by mails the processing power of portable terminal.
The present invention provides a kind of electric paying method, comprising:
The Payment Request that the payment platform mobile terminal receive sends; Said Payment Request comprises the watermark receipt file that account, password, dealing money and said portable terminal get access in advance; The watermark receipt file that said portable terminal gets access in advance is the first watermark receipt file, and the said first watermark receipt file adds digital watermarking by electronic receipt and forms;
Said payment platform carries out legitimate verification according to the digital watermarking in the account in the said Payment Request, password and the said first watermark receipt file to the electronic receipt in the said first watermark receipt file;
In the checking result be electronic receipt in said first watermark receipt file when legal, deducts said dealing money in the electronic receipt of said payment platform from the said first watermark receipt file.
The present invention provides a kind of portable terminal, comprising:
Acquisition module is used to obtain circle and deposits the first watermark receipt file that platform sends, and the said first watermark receipt file adds digital watermarking by electronic receipt and forms;
The Payment Request sending module; Be used for sending Payment Request to payment platform; So that deduct dealing money in the electronic receipt of the legal back of the electronic receipt of said payment platform in the said first watermark receipt file of checking from the said first watermark receipt file, said Payment Request comprises account, password, said dealing money and the said first watermark receipt file.
The present invention provides an Artenkreis to deposit platform, comprising:
Circle is deposited the request receiver module; The circle that is used for the mobile terminal receive transmission is deposited request; The request of depositing of said circle comprises that account, password, circle deposit the amount of money and the second watermark receipt file; The said second watermark receipt file is the watermark receipt file of the current use of said portable terminal, adds digital watermarking by electronic receipt and forms;
Second authentication module is used for depositing the digital watermarking in the said account of request, said password and the said second watermark receipt file according to said circle, and the electronic receipt in the said second watermark receipt file is carried out legitimate verification;
Circle is deposited processing module; Be used for being the electronic receipt of said second watermark receipt file when legal in the checking result of said second authentication module; Depositing the amount of money according to said circle encloses the electronic receipt in the said second watermark receipt file and deposits processing; Generating the said first watermark receipt file, and the said first watermark receipt file is sent to said portable terminal.
The present invention provides a kind of payment platform, comprising:
The Payment Request receiver module; Be used for the Payment Request that mobile terminal receive sends; Said Payment Request comprises account, password, dealing money and the first watermark receipt file; The said first watermark receipt file is the watermark receipt file that said portable terminal gets access in advance, adds digital watermarking by electronic receipt and forms;
First authentication module is used for the digital watermarking in account, password and the said first watermark receipt file according to said Payment Request, and the electronic receipt in the said first watermark receipt file is carried out legitimate verification;
Button account processing module is used for being the electronic receipt of said first watermark receipt file when legal, the said dealing money of deduction in the electronic receipt of said payment platform from the said first watermark receipt file in the checking result of said first authentication module.
The present invention provides a kind of electronic fare payment system, comprises that arbitrary portable terminal provided by the invention, arbitrary circle provided by the invention deposit platform and arbitrary payment platform provided by the invention.
Electric paying method provided by the invention, system, portable terminal, circle are deposited platform and payment platform; Through using digital watermark technology electronic receipt is encrypted; The operation that electronic receipt is added digital watermarking deposits platform by circle and payment platform carries out; Portable terminal only needs directly to send to payment platform in the electronic cash transaction process and comprises that the Payment Request of watermark receipt file gets final product; Need not to carry out the encryption and decryption operation, alleviated the processing burden of portable terminal in electronic payment process, reduced the requirement of electronic payment process the portable terminal processing power.
Description of drawings
The process flow diagram of the electric paying method that Fig. 1 provides for one embodiment of the invention;
The process flow diagram of the electronic cash circle deposit method that Fig. 2 provides for one embodiment of the invention;
The process flow diagram of the electric paying method that Fig. 3 provides for another embodiment of the present invention;
The structural representation of the portable terminal that Fig. 4 provides for one embodiment of the invention;
The structural representation of the portable terminal that Fig. 5 provides for another embodiment of the present invention;
The structural representation of the payment platform that Fig. 6 provides for one embodiment of the invention;
The structural representation of the payment platform that Fig. 7 provides for another embodiment of the present invention;
The circle that Fig. 8 provides for one embodiment of the invention is deposited the structural representation of platform;
The circle that Fig. 9 provides for another embodiment of the present invention is deposited the structural representation of platform;
The structural representation of the electronic fare payment system that Figure 10 provides for one embodiment of the invention.
Embodiment
The process flow diagram of the electric paying method that Fig. 1 provides for one embodiment of the invention.As shown in Figure 1, the electric paying method of present embodiment comprises:
The Payment Request that step 101, payment platform mobile terminal receive send; Said Payment Request comprises the watermark receipt file that account, password, dealing money and portable terminal get access in advance, and the watermark receipt file that said portable terminal gets access in advance adds digital watermarking by electronic receipt and forms.
For ease of describing and distinguishing, the watermark receipt file that various embodiments of the present invention are obtained portable terminal in advance is called the first watermark receipt file.
Present embodiment can realize that electronic fare payment system comprises based on electronic fare payment system: portable terminal, circle are deposited platform and payment platform.Wherein, Circle is deposited platform and mainly is responsible for management and audit to the corresponding actual funds account of electronic cash; For signing and issuing watermark receipt file in the electronic cash payment process; And for the electronic receipt in the watermark receipt file deposits ideal money (be electronic receipt enclose deposit) in, and be responsible for and payment platform carries out capital settlement.Payment platform mainly is responsible in the real consumption process of electronic cash, electronic receipt is withholdd and carries out processing such as watermark again based on digital watermarking, is responsible for businessman and circle based on digital watermarking simultaneously and deposits under the platform completion line services such as capital settlement.Portable terminal is meant the electronic cash application program that operates on the portable terminal specifically, and main E-Payment, the circle of being responsible for accomplishing the consumer deposited and solicit operation such as inquiry.
In the present embodiment, portable terminal gets access to the first watermark receipt file in advance.The first watermark receipt file is deposited platform by circle and is generated and sent to portable terminal.The first watermark receipt file adds digital watermarking by electronic receipt and forms.Specifically, the first watermark receipt file is to deposit platform by circle on electronic receipt, to add digital watermarking and form, and sends to portable terminal then.In above-mentioned process of transmitting, circle is deposited platform and need do not carried out encryption to the first watermark receipt file.Wherein, electronic receipt mainly is meant some data messages relevant with electronic cash, mainly comprises account, password that electronic cash is corresponding, information such as the remaining sum of electronic cash.
Concrete, portable terminal can be deposited account and the password that platform is submitted the corresponding necessary being of this electronic cash to circle when Xiang Quan deposits platform and registers, can account and password be kept at this locality simultaneously.And circle is deposited platform and can be write down the account and the corresponding relation of password that this portable terminal and this portable terminal are submitted to, and responsible account and password to this portable terminal correspondence examined, management etc.At portable terminal for the first time when circle is deposited platform and is sent circle and deposit request; Portable terminal is deposited at circle and is carried account, password and circle in the request and deposit the amount of money; Circle is deposited platform and is deposited request according to circle; And information such as the account of submitting to when combining mobile terminal registers and password generate electronic receipt for this portable terminal, and in electronic receipt embed digital watermark generation watermark receipt file, the watermark receipt file with generation sends to portable terminal then.Afterwards; When portable terminal again when circle is deposited platform and is sent circle and deposit request, deposit at circle and to carry account, password, circle in the request simultaneously and deposit the watermark receipt file of the amount of money and current use, and circle is deposited platform and can from the watermark receipt file that portable terminal sends over, be obtained electronic receipt; After the authenticity of checking electronic receipt; Deposit for this electronic receipt encloses again, after circle is deposited end, can regenerate watermark receipt file and return to portable terminal again for this electronic receipt adds digital watermarking.Wherein, circle deposit the remaining sum of electronic cash in the electronic receipt of back equal to enclose deposit before the remaining sum and the circle of electronic receipt electronic cash deposit amount of money sum.
Wherein, Electronic receipt be by circle deposit platform at portable terminal for the first time when circle is deposited platform and is sent circle and deposit request; According to the generation for information about of circle request of depositing and mobile terminal registers, that is to say that circle that portable terminal sends is for the first time deposited and do not comprise watermark receipt file in the request; And along with the application of electronic receipt in electronic payment process, the remaining sum of electronic cash can change in the electronic receipt, and information recorded also can change in the electronic receipt.
By above-mentioned visible, the portable terminal of present embodiment can be deposited platform from circle in advance and obtain the watermark receipt file that comprises electronic receipt, for follow-up use electronic receipt is paid the condition that provides by mails.
For portable terminal, when electronic cash transaction, only need account, password, dealing money and the watermark receipt file that gets access in advance directly be packaged into Payment Request, then Payment Request is directly sent to payment platform and get final product.In said process, portable terminal need not carry out encryption to the first watermark receipt file, need not carry out encryption to Payment Request yet.Wherein, portable terminal can determine whether in advance to buy this product, and can know product article No., the current selling price of product information such as (being dealing money) in advance before sending Payment Request to payment platform; When confirming to buy, will produce the payment demand, this moment, portable terminal just can send Payment Request to payment platform.
In this explanation, except carrying account, password, dealing money and watermark receipt file, can also carry other information in the Payment Request, for example product article No. etc.
Step 102, payment platform are according to the digital watermarking in the account in the Payment Request, password, the first watermark receipt file; Whether the electronic receipt in the first watermark receipt file carries out legitimate verification, legal to judge the electronic receipt in the first watermark receipt file; When judged result for being, verify that promptly the result is a electronic receipt in first watermark receipt file when legal, execution in step 103; Otherwise, execution in step 104.
In the present embodiment, store digital watermarking on the payment platform in advance, promptly local stored numbers watermark.Concrete, circle is deposited platform when signing and issuing watermark receipt file for portable terminal, can generate a digital watermarking corresponding with this portable terminal and can preserve this digital watermarking.Circle is deposited platform and is used the digital watermarking that generates to sign and issue watermark receipt file as portable terminal.And circle is deposited platform and also can the digital watermarking that generated be offered payment platform and portable terminal, based on this digital watermarking watermark receipt file is carried out legitimate verification when needed for payment platform and portable terminal.
Concrete, payment platform obtains account, password and the first watermark receipt file after receiving the Payment Request of portable terminal transmission from Payment Request.Then, payment platform carries out legitimate verification according to the digital watermarking in the account in the Payment Request, password and the first watermark receipt file to the electronic receipt in the first watermark receipt file.
Wherein, payment platform mainly comprises the process that the electronic receipt that from the first watermark receipt file, obtains carries out legitimate verification: payment platform verifies according to local stored numbers watermark whether the digital watermarking in the first watermark receipt file is correct; After the checking result is the digital watermarking correctly in the first watermark receipt file; Further with the account in the Payment Request, password respectively with the first watermark receipt file in electronic receipt in account, password compare, with the legitimacy of the electronic receipt that from the first watermark receipt file, obtains of checking.When the number of the account in the Payment Request, password respectively with the first watermark receipt file in electronic receipt in account, when password is identical, payment platform confirms that the electronic receipt in the first watermark receipt file is legal; Digital watermarking in the first watermark receipt file is incorrect; Perhaps one of them is inequality at least for the account in the electronic receipt in the number of the account in the Payment Request, password and the first watermark receipt file, password, and payment platform confirms that the electronic receipt in the first watermark receipt file is illegal.
Wherein, Payment platform is according to local stored numbers watermark; Verify whether correct method can be for digital watermarking in the first watermark receipt file: payment platform directly carries out the watermark extracting operation to the first watermark receipt file, from the first watermark receipt file, obtains digital watermarking and electronic receipt.Whether then, digital watermarking and local stored numbers watermark that payment platform will obtain from the first watermark receipt file compare, correct to confirm the digital watermarking of from the first watermark receipt file, obtaining.If the digital watermarking of from the first watermark receipt file, obtaining is identical with the local stored numbers watermark of payment platform; The digital watermarking that explanation is obtained from the first watermark receipt file is correct; Correspondingly; The electronic receipt that explanation is obtained from the first watermark receipt file was not distorted, and was complete; If the local stored numbers watermark of digital watermarking of from the first watermark receipt file, obtaining and payment platform is inequality; The digital watermarking that explanation is obtained from the first watermark receipt file is incorrect; In other words conj.or perhaps false, this electronic receipt that from the first watermark receipt file, obtains of explanation correspondingly possibly be modified, possibly lose and imperfect etc.
In addition; Payment platform is according to local stored numbers watermark; Verify whether correct method can also be for digital watermarking in the first watermark receipt file: payment platform carries out the watermark extracting operation according to the account in the Payment Request, password and local stored numbers watermark to the first watermark receipt file.If from the first watermark receipt file, successfully get access to digital watermarking and electronic receipt, payment platform confirms that the digital watermarking in the first watermark receipt file is correct, otherwise explains that the digital watermarking in the first watermark receipt file is wrong.
Based on above-mentioned, the account that payment platform specifically carries Payment Request, password respectively with the electronic receipt that from the first watermark receipt file, obtains in account, password compare, is the corresponding electronic receipt of portable terminal with what confirm that portable terminal sends.If the account in the Payment Request, password respectively with the electronic receipt that from the first watermark receipt file, obtains in account, password identical, explain that the electronic receipt that from the first watermark receipt file, obtains is the electronic receipt of portable terminal; If one of them is inequality at least for the account in the account in the Payment Request, password and the electronic receipt that from the first watermark receipt file, obtains, password, explain that the electronic receipt that from the first watermark receipt file, obtains is not the electronic receipt of portable terminal.
Wherein, One of them is inequality at least to obtain account in the electronic receipt, password in account in the Payment Request, password and the first watermark receipt file, and just one of them is inequality at least for the account in the account in the Payment Request, password and the electronic receipt that from the first watermark receipt file, obtains, password.Wherein, Situation inequality can be that the account in the Payment Request is inequality with the account in the electronic receipt that from the first watermark receipt file, obtains; And the password in the Payment Request is identical with password in the electronic receipt that from the first watermark receipt file, obtains; Can also be that account in the Payment Request is identical with account in the electronic receipt that from the first watermark receipt file, obtains; And the password in password in the Payment Request and the electronic receipt that from the first watermark receipt file, obtains is inequality; Can also be that account in account in the Payment Request and the electronic receipt that from the first watermark receipt file, obtains is inequality, and the password in password in the Payment Request and the electronic receipt that from the first watermark receipt file, obtains be also inequality.
That is to say; It is correct having only the digital watermarking in the first watermark receipt file; And the number of the account in the Payment Request, password respectively with the electronic receipt that from the first watermark receipt file, obtains in account, when password is identical, payment platform confirms that just the electronic receipt from the first watermark receipt file, obtain is legal.Otherwise; If the digital watermarking in the first watermark receipt file is incorrect; Perhaps the account in the number of the account in the Payment Request, password and the electronic receipt that from the first watermark receipt file, obtains, password at least one of them not simultaneously, payment platform confirms that all the electronic receipt that from the first watermark receipt file, obtains is illegal.
Deduct dealing money in step 103, the electronic receipt of payment platform from the first watermark receipt file.
When the electronic receipt that from the first watermark receipt file, obtains is legal, deduct dealing money in the electronic receipt that payment platform obtains from the first watermark receipt file, promptly detain account and handle.Concrete; If the enough payment transaction amount of money of the current residual amount of money of electronic cash in the electronic receipt that from the first watermark receipt file, obtains; Then deduct corresponding dealing money in the remaining sum of payment platform from the electronic receipt that from the first watermark receipt file, obtains; And the relevant information of this transaction of record, i.e. transaction payment information, the for example information of exchange hour, payment platform, dealing money etc.If the current residual insufficient in amount payment transaction amount of money of electronic cash in the electronic receipt that from the first watermark receipt file, obtains, then payment platform can directly finish delivery operation.
Wherein, accomplish after the E-Payment, the remaining sum in the electronic receipt is pay remaining sum before and dealing money by mails poor.
Optional; If in the electronic receipt that from the first watermark receipt file, obtains during the not enough payment transaction amount of money of the remaining sum of electronic cash; Payment platform can also return information to portable terminal;, deposits portable terminal the operation of paying again when the remaining sum of electronic cash is enough in electronic receipt so that carrying out the fund circle to electronic receipt.
Step 104, end operation.
When the electronic receipt that from the first watermark receipt file, obtains was illegal, payment platform can directly finish delivery operation.
Optional, it is illegal that payment platform can also return the electronic receipt that from the first watermark receipt file, obtains to portable terminal, can't accomplish the information of delivery operation.
In this explanation, in above-mentioned payment process, payment platform can be at the payment initial stage, when for example receiving Payment Request, generates and this time pays corresponding transaction journal number by mails.Wherein, each to pay corresponding transaction journal by mails number be unique, and this transaction journal number is convenient to each E-Payment is managed, and also helps the later stage operation such as to inquire about.
Wherein, the digital watermarking of present embodiment use mainly is meant the information that has certain sign effect in the electronic receipt that embeds.Optional, digital watermarking can be the pseudo-random code that circle is deposited platform, can also be false proof icon, but be not limited thereto.Wherein, circle deposit platform pseudo-random code or false proof circle mark can by circle deposit platform at portable terminal when circle is deposited platform and is registered or when portable terminal asks circle to be deposited for the first time, generate, and number of the account, the password submitted to portable terminal are corresponding one by one.After circle is deposited platform generation pseudo-random code or false proof icon, can the pseudo-random code or the false proof icon that generate be offered payment platform, portable terminal etc., when needed electronic receipt carried out the legitimate verification use for payment platform or portable terminal.
In the present embodiment, electronic receipt is encrypted, made full use of the characteristic of digital watermarking, guaranteed the security of paying by mails at aspects such as real and fake discrimination, security, anti-tamper, integralities through using digital watermark technology.Present embodiment adopts digital watermark technology that electronic receipt is signed and encapsulation process; Be not that each link all need be verified to electronic receipt itself in electronic cash transaction process at ordinary times; Therefore some unnecessary computing and processing in the process of exchange have been reduced; The checking that for computing, lays particular emphasis on its platform side (comprise payment platform and circle deposit platform) is in addition more handled; Promptly electronic receipt is added digital watermarking, verifies etc. that operation mainly is to deposit platform and payment platform carries out by circle that portable terminal only needs directly to send to payment platform comprise that the Payment Request of watermark receipt file gets final product, and need not to carry out encryption and decryption to operate in the electronic cash transaction process; Alleviated the processing burden of portable terminal in electronic payment process, reduced the requirement of electronic payment process the portable terminal processing power.In addition, compared with prior art,, make and in the electronic cash transaction process, need not untie peripheral protection, improved user's experience because present embodiment need not carry out encryption to electronic receipt.
Further; Prior art mainly is to guarantee in the environment of safety, to pay business by mails, therefore need guarantee electronic receipt preservation safety of environment property and transaction communications process safe property to a great extent, and lower for the protective capacities of the electronic receipt that is in core status itself; If external environment condition is broken through by the people; Others is easy to untie electronic receipt and distorts so, perhaps copys new electronic receipt and consumes, and influences normal financial order.And present embodiment adopts digital watermark technology to encapsulate to the electronic receipt of electronic cash itself; Just as the currency in the reality has anti-fake mark; Make electronic cash deposit electronic receipt in and begin just to have had anti-fake mark depositing the platform circle from circle; Avoided because of the low problem that causes electronic receipt to be distorted or copy of mobile terminal side security, the security that has improved electronic receipt itself; In addition; In the real consumption process; It also is the checking that lays particular emphasis on the data true or false such as remaining sum of electronic cash in the electronic receipt; Therefore mainly carry out verification operation in the payment platform side, for portable terminal, need not carry out authenticity verification to electronic receipt, this is convenient with regard to bringing for electronic payment process.
Further; Deduct after the dealing money in the electronic receipt of payment platform from the first watermark receipt file; Also comprise: payment platform is with the payment transaction information of record, and for example the information of time of payment, dealing money, payment platform etc. is added in the electronic receipt that from the first watermark receipt file, obtains; And again for the electronic receipt that adds payment transaction information adds local stored numbers watermark, to form the 3rd watermark receipt file.Then, payment platform the 3rd watermark receipt file that will regenerate sends to portable terminal.Wherein, The form of electronic receipt comprises FX and Adding Area in the various embodiments of the present invention; Wherein FX is used to carry some necessary information; For example account, password, remaining sum etc., and the Adding Area is used for supplying payment platform, circle to deposit platform etc. adding temporary information at electronic receipt, for example the payment platform payment transaction information of adding.Wherein, the length of Adding Area is unfixing.
After portable terminal receives the 3rd watermark receipt file of payment platform transmission; Can be according to the digital watermarking in local stored numbers watermark and the 3rd watermark receipt file; Electronic receipt in the 3rd watermark receipt file that payment platform is returned carries out legitimate verification; When the electronic receipt in the 3rd watermark receipt file that the checking result returns for payment platform is legal; The 3rd watermark receipt file with payment platform returns is replaced the first original watermark receipt file, and sends payment response to payment platform, accomplishes so that payment platform is known delivery operation.
Further, after payment platform knows that delivery operation is accomplished, can deposit platform to circle and send settlement requests, comprise number of the account, password and the 3rd watermark receipt file in the said settlement requests.Circle is deposited platform according to the digital watermarking in the number of the account in the settlement requests, password and the 3rd watermark receipt file, and the electronic receipt in the 3rd watermark receipt file is carried out legitimate verification; In the checking result is that electronic receipt in the 3rd watermark receipt file is when legal; Platform deposited by circle and payment platform is accomplished clearing according to the electronic receipt in the 3rd watermark receipt file, specifically is meant according to the payment transaction information completion in the electronic receipt in point the 3rd watermark receipt file to draw account.
In the prior art, because electronic receipt itself is encrypted and do not carry relevant payment information, so can't review the funds flow of electronic cash.Because electronic funds itself do not possess numerical characteristic, can only number come to search one by one at the transaction journal of E-Payment initial stage record through payment platform.If itself goes wrong electronic funds, need search electronic funds source so, need number search through transaction journal, this often wastes time and energy in real work.And present embodiment adopts digital watermark technology; When circle is deposited the platform circle and deposited electronic receipt, can carry the information that circle is deposited platform itself, at electronic cash after payment platform is paid; Can in electronic receipt, carry information such as time of payment, payment platform again; In carrying out the electronic cash transaction process, be easy to compare and understand,, take precautions against in electronic cash the problem that occurs in the real currency through extracting wherein watermark information; For the professional development of later E-Payment, bring great convenience.
Further; In paying application by mails; If portable terminal will use electronic receipt to accomplish and pay by mails, to guarantee that at first the remaining sum of electronic cash in the electronic receipt is wanted the enough payment transaction amount of money, for this reason; Portable terminal need be before payment be deposited platform to circle and send circle and deposit request so that circle deposit platform according to circle the request of depositing deposit electronic cash to the electronic receipt centre circle.
The process flow diagram of the electronic cash circle deposit method that Fig. 2 provides for one embodiment of the invention.As shown in Figure 2, the method for present embodiment comprises:
Step 201, circle are deposited the circle of platform mobile terminal receive transmission and are deposited request; The request of depositing of said circle comprises that number of the account, password, circle deposit the watermark receipt file of the amount of money and the current use of portable terminal, and the watermark receipt file of the current use of said portable terminal also adds digital watermarking by electronic receipt and forms.
In the present embodiment; For the ease of describing and distinguishing; Portable terminal is sent the watermark receipt file that uses when circle is deposited request is called the second watermark receipt file, and with circle deposit finish after circle deposit the watermark receipt file (being the watermark receipt file that portable terminal is paid use by mails) that platform returns to portable terminal and be called the first watermark receipt file.
When needs when the electronic receipt centre circle is deposited electronic cash, for example before using electronic cash to pay to use, portable terminal is deposited platform to circle and is sent circle and deposit request, deposits platform with the request circle and deposits electronic cash at the electronic receipt centre circle.Accordingly, enclose the circle of depositing the transmission of platform mobile terminal receive and deposit request.
Wherein, deposit in the request, comprise account and password at circle.The account and password real account and the password corresponding that to be portable terminal submit to when circle is deposited platform and registered with electronic cash or electronic receipt.The account and password are the corresponding true cashes of electronic cash, are that circle is deposited platform and carried out the foundation that the electronic cash circle is deposited, and are the sources that is about to the electronic cash that circle deposits.Deposit in the request at circle, comprise enclosing and deposit the amount of money.Wherein, to deposit the amount of money be the quantity that the mobile terminal request circle is deposited the electronic cash that platform deposits at the electronic receipt centre circle to circle.Deposit in the request at circle, comprise the second watermark receipt file, the second watermark receipt file carries electronic receipt.Wherein, it is exactly at this moment in the electronic receipt on the basis of the remaining sum of electronic cash that circle is deposited platform, deposits for this electronic receipt encloses.In this explanation, portable terminal for the first time when circle was deposited the platform request circle and deposited the amount of money, deposited and do not carry the second watermark receipt file in the request by circle.Circle is deposited platform can be when portable terminal asks the fund circle to be deposited for the first time, for this portable terminal generates and sign and issue watermark receipt file.
Step 202, circle are deposited platform and are deposited the digital watermarking in account, password and the second watermark receipt file in the request according to circle; Whether the electronic receipt in the second watermark receipt file carries out legitimate verification, legal to judge the electronic receipt in the second watermark receipt file; When judged result for being, when promptly the electronic receipt in the second watermark receipt file is legal, execution in step 203; When judged result for not, when promptly the electronic receipt in the second watermark receipt file is illegal, execution in step 204.
In the present embodiment, portable terminal does not have electronic receipt such as is made amendment, signs and issues at operation.So when circle was deposited platform and registered, circle is deposited platform can generate electronic receipt for this portable terminal according to the log-on message of portable terminal, and on electronic receipt, adds digital watermarking with generation watermark receipt file, sends to portable terminal then at portable terminal.Like this, portable terminal carries watermark receipt file carrying out just can depositing at circle when the electronic cash circle is deposited in the request.
In said process, circle is deposited platform can store the digital watermarking that is generated in this locality, and can this digital watermarking be sent to portable terminal and payment platform.
Deposit platform when circle and receive after circle deposits request, deposit from circle and to obtain account, password and the second watermark receipt file the request.Then, circle is deposited platform according to the digital watermarking in the account, password and the second watermark receipt file that obtain, and the electronic receipt in the second watermark receipt file is carried out legitimate verification.
Wherein, circle is deposited platform and the electronic receipt in the second watermark receipt file is carried out legitimate verification mainly comprised: circle is deposited platform according to local stored numbers watermark, verifies whether the digital watermarking in the second watermark receipt file is correct; In the checking result is that digital watermarking in the second watermark receipt file is when correct; Further with circle deposit account in the request, password respectively with the second watermark receipt file in electronic receipt in account, password compare, to verify the legitimacy of the electronic receipt in the second watermark receipt file.When circle deposit number of the account in the request, password respectively with the second watermark receipt file in electronic receipt in account, when password is identical, circle is deposited platform and is confirmed that the electronic receipt in the second watermark receipt file is legal; Digital watermarking in the second watermark receipt file is incorrect; Perhaps circle is deposited account in the electronic receipt in number of the account, password and the second watermark receipt file in the request, password one of them is inequality at least, encloses to deposit platform and confirm that the electronic receipt in the second watermark receipt file is illegal.
Wherein, Circle is deposited platform according to local stored numbers watermark; Verify whether correct method can be for digital watermarking in the second watermark receipt file: circle is deposited platform and directly the second watermark receipt file is carried out the watermark extracting operation, from the second watermark receipt file, obtains digital watermarking and electronic receipt.Whether then, circle is deposited digital watermarking and the local stored numbers watermark that platform will obtain and is compared from the second watermark receipt file, correct to confirm the digital watermarking of from the second watermark receipt file, obtaining.Local stored numbers watermark is identical if the digital watermarking of from the second watermark receipt file, obtaining and circle are deposited platform; The digital watermarking that explanation is obtained from the second watermark receipt file is correct; Explain that correspondingly the electronic receipt that from the second watermark receipt file, obtains was not distorted, and be complete; Local stored numbers watermark is inequality if digital watermarking of from the second watermark receipt file, obtaining and circle are deposited platform; The digital watermarking that explanation is obtained from the second watermark receipt file is incorrect; In other words conj.or perhaps false, explain that correspondingly this electronic receipt that from the second watermark receipt file, obtains possibly be modified, possibly lose and imperfect etc.
In addition; Circle is deposited platform according to local stored numbers watermark; Verify whether correct method can also be for digital watermarking in the second watermark receipt file: circle is deposited platform and is deposited account, password and local stored numbers watermark in the request according to circle, and the second watermark receipt file is carried out the watermark extracting operation.If from the second watermark receipt file, successfully get access to digital watermarking and electronic receipt, circle is deposited platform and is confirmed that the digital watermarking in the second watermark receipt file is correct, otherwise explains that the digital watermarking in the second watermark receipt file is wrong.
Based on above-mentioned, circle deposit platform specifically with circle deposit account in the request, password respectively with the electronic receipt that from the second watermark receipt file, obtains in account, password compare, is the corresponding electronic receipt of portable terminal with what confirm that portable terminal sends.If circle deposit account in the request, password respectively with the electronic receipt that from the second watermark receipt file, obtains in account, password identical, explain that the electronic receipt that from the second watermark receipt file, obtains is the electronic receipt of portable terminal; If circle is deposited account, the password in the request and the electronic receipt that from the second watermark receipt file, obtains in account, password one of them is inequality at least, explain that the electronic receipt that from the second watermark receipt file, obtains is not the electronic receipt of portable terminal.
Wherein, Circle is deposited the account that obtains in account, password and the second watermark receipt file in the request in the electronic receipt, password, and one of them is inequality at least, and one of them is inequality at least just to enclose account in the electronic receipt of depositing account, the password in the request and from the second watermark receipt file, obtaining, password.Wherein, Condition of different can be that the account of enclosing in the electronic receipt of depositing the account in the request and from the second watermark receipt file, obtaining is inequality; And the password that circle is deposited in the request is identical with password in the electronic receipt that from the second watermark receipt file, obtains; Can also be that the circle account of depositing in the request is identical with account in the electronic receipt that from the second watermark receipt file, obtains; And the password that encloses in the electronic receipt of depositing the password in the request and from the second watermark receipt file, obtaining is inequality; Can also be circle deposit the account in the request and the electronic receipt that from the second watermark receipt file, obtains in account inequality, and circle is deposited the password in the request and the electronic receipt that from the second watermark receipt file, obtains in password also inequality.
That is to say; It is correct having only the digital watermarking in the second watermark receipt file; And circle deposit number of the account in the request, password respectively with the electronic receipt that from the second watermark receipt file, obtains in account, when password is identical, circle is deposited platform and is confirmed that just the electronic receipt that from the second watermark receipt file, obtains is legal.Otherwise; If the digital watermarking in the second watermark receipt file is incorrect; Perhaps circle deposit number of the account, the password in the request with the electronic receipt that from the second watermark receipt file, obtains in account, password one of them encloses and deposits platform and confirm that all the electronic receipt that from the second watermark receipt file, obtains is illegal not simultaneously at least.
Step 203, circle are deposited platform and are deposited the amount of money according to circle and the electronic receipt in the second watermark receipt file is enclosed deposit processing, generating the first watermark receipt file, and the first watermark receipt file are sent to portable terminal.
When the electronic receipt that from the second watermark receipt file, obtains was legal, circle was deposited platform and is deposited the amount of money according to circle and the electronic receipt that from the second watermark receipt file, obtains is enclosed deposit processing, to generate the first watermark receipt file.Concrete, circle deposits that platform is deposited the amount of money with circle and more voxels compares.If circle is deposited the amount of money and is less than or equal to more voxels; Circle is deposited platform and is deposited the remaining sum that the amount of money is rewritten electronic cash in the electronic receipt that from the second watermark receipt file, obtains according to circle; Then for the electronic receipt of rewriting remaining sum adds local stored numbers watermark, to form the first watermark receipt file.Meanwhile, circle is deposited platform and can be freezed corresponding fund (promptly circle is deposited the amount of money) in the corresponding account of portable terminal.If circle is deposited the amount of money greater than more voxels, circle is deposited platform and can be finished circle and deposit operation.
Optional, if circle is deposited the amount of money greater than more voxels, circle is deposited platform and can also be returned the account insufficient in amount to portable terminal, circle is deposited the information of failure.
Further optional, portable terminal receives circle and deposits the first watermark receipt file that platform sends.Then, portable terminal can carry out legitimate verification to the electronic receipt in the first watermark receipt file, and when verifying that the result is legal, uses the first watermark receipt file to replace the second watermark receipt file.
Wherein, Portable terminal comprises the process that the electronic receipt in the first watermark receipt file carries out legitimate verification: portable terminal can carry out the watermark extracting operation to the first watermark receipt file; From the first watermark receipt file, obtain digital watermarking and electronic receipt, digital watermarking and the local stored numbers watermark that will from the first watermark receipt file, obtain are then compared.If the digital watermarking of from the first watermark receipt file, obtaining is identical with the local stored numbers watermark of portable terminal; The definite checking of portable terminal result is that the electronic receipt in the first watermark receipt file is legal; Otherwise definite checking result is that the electronic receipt in the first watermark receipt file is illegal.
Further optional; Confirming the checking result when portable terminal is that electronic receipt in the first watermark receipt file is when legal; Deposit platform to circle and send circle and deposit response, deposit response according to this circle and know that accomplishing circle deposits processing so that circle is deposited platform, thereby accomplish funds transfer.
Step 204, circle are deposited platform end circle and are deposited operation.
Electronic receipt in the second watermark receipt file is illegal, is for example distorted, when imperfect etc., and circle is deposited platform and can directly be finished circle and deposit operation.
Optional, circle is deposited platform can be illegal to the electronic receipt that portable terminal returns in the second watermark receipt file, and circle is deposited the information of failure.
In the present embodiment, when needs when circle is deposited platform applying for electronic cash, portable terminal is deposited platform to circle and is sent circle and deposit request, account and password and the watermark receipt file submitted to when sending registration simultaneously.Circle is deposited platform after the checking electronic receipt is legal; Accomplish the circle of electronic cash and deposit processing; And on electronic receipt, add digital watermarking again, make electronic cash when circle is deposited electronic receipt, just carry anti-fake mark, the security that has improved electronic cash; Make portable terminal to carry out encryption and decryption simultaneously and handle the security that guarantees in the process of circulation, reduced the processing burden of portable terminal electronic receipt.
In above-mentioned each embodiment, the method for adding digital watermarking can be a blind watermark method, but is not limited thereto.Wherein, thus blind watermark method be meant and in watermark extraction process, do not need raw data to carry out than to extract watermark or detect the method whether watermark is arranged.For example; After circle is deposited platform generation electronic receipt; Electronic receipt is carried out the process that watermark embed to handle to be comprised: circle is deposited account and the password that platform submits to according to portable terminal and is generated the embedding password automatically; The embedding password and the digital watermarking that will generate according to certain embedding algorithm then embed in the electronic receipt, thereby form watermark receipt file.Wherein, embed password and after watermark receipt file generates, can be kept in the corresponding account of this portable terminal, so that the later stage uses when watermark extracting.For embedding password, payment platform can be deposited this embedding password of platform request and preservation to circle when carrying out the digital watermarking extraction.
The process flow diagram of the electric paying method that Fig. 3 provides for another embodiment of the present invention.As shown in Figure 3, the method for present embodiment comprises:
Step 301, circle are deposited platform and electronic receipt is carried out the electronic cash circle are deposited.
In the present embodiment, portable terminal was deposited the enough funds of platform application to circle before the use electronic cash is paid.Portable terminal is deposited platform to circle and is sent circle and deposit request, sends account, password, circle simultaneously and deposits the amount of money and watermark receipt file (mainly being meant electronic receipt).It is legal in the checking account that circle is deposited platform, and electronic receipt legal after, accomplish the circle of electronic cash and deposit processing.
Wherein, circle is deposited treatment scheme and is mainly comprised:
Step 1a, portable terminal are at first deposited platform transmission circle to circle and are deposited request, provide account, password, circle to deposit information such as the amount of money and watermark receipt file to deposit platform to circle.
The legitimacy that step 1b, circle are deposited platform validation account and password.
Step 1c, circle are deposited platform and are extracted the digital watermarking in the watermark receipt file; Through the digital watermarking and the local stored numbers watermark of extracting are compared whether the electronic receipt of verifying in the watermark receipt file is that this circle is deposited the electronic receipt that platform is signed and issued; And account, encrypted message in account, encrypted message and the electronic receipt that portable terminal is provided are compared, to judge whether unanimity.If judged result is all consistent, then enclose normally and deposit processing, forge otherwise be regarded as malice.
Step 1d, after the legitimacy of checking electronic receipt, circle is deposited platform and is deposited the fund state in the requesting query account according to circle.Under the situation of fund and authority permission; Circle is deposited the circle of platform processes mobile terminal request and is deposited the amount of money, rewrites the remaining sum in the electronic receipt, and generates watermark receipt file for electronic receipt adds digital watermarking again; Send to portable terminal, simultaneously corresponding fund in the Frozen Account.
Wherein, circle deposit the remaining sum of the remaining sum of back in the electronic receipt before depositing by circle add the circle deposited of circle deposit the amount of money.
Step 1e, circle are deposited platform the watermark receipt file that regenerates (mainly being meant the electronic receipt after circle is deposited electronic cash) are sent to portable terminal.
Step 1f, portable terminal are receiving after circle deposits the watermark receipt file of platform, and whether verification and comparison are carried out in the digital watermarking and the local stored numbers watermark of extracting wherein, legal and true to judge the electronic receipt in the watermark receipt file.When definite electronic receipt is legal and true, then preserves this watermark receipt file and replace original watermark receipt file, otherwise abandon, and return error message.
Step 1g, portable terminal deposit platform to circle and send circle and deposit response, deposit platform with the notice circle and have accomplished circle and deposit processing.
Step 1h, circle are deposited platform after obtaining circle and depositing response, accomplish funds transfer.
Step 302, portable terminal and payment platform use electronic cash to accomplish payment.
When needs used electronic cash to pay, portable terminal was submitted oneself account, password, dealing money and watermark receipt file etc. to payment platform, and payment platform generates correspondingly transaction journal number for this E-Payment.Payment platform extracts the digital watermarking in the watermark receipt file, and based on digital watermarking the electronic receipt in the watermark receipt file is verified the true and false, and according to the account of portable terminal submission and the legitimacy of password authentification portable terminal or account.To be verifiedly detain account through the back according to dealing money and handle, and transaction record added in the electronic receipt file with the watermark form feed back to portable terminal, preserve for portable terminal.Concrete payment flow comprises:
Step 2a, portable terminal are submitted account, password, dealing money and watermark receipt file to payment platform.
Step 2b, payment platform watermark receipt file extract digital watermarking wherein.
Step 2c, payment platform compare the digital watermarking and the local stored numbers watermark of extracting, and whether with the true and false of checking electronic receipt, and it is consistent with the account and the password of portable terminal submission with password to check in the electronic receipt account; If checking is not passed through, then return mistake.
If step 2d passes through the checking of electronic receipt, whether the current residual amount of money of electronic cash enough pays transaction this time in the payment platform checking electronic receipt.If not enough, then return mistake.
If step 2e remaining sum is enough, payment platform carries out concrete button account to be handled, and transaction record is added in the electronic receipt, simultaneously with this transaction record in this locality, supply later stage and circle to deposit platform clearing usefulness.
Wherein, after E-Payment finishes, the remaining sum before the remaining sum in the electronic receipt equals to pay by mails in the electronic receipt and the difference of dealing money.
Step 2f, payment platform add digital watermarking for electronic receipt again, send to portable terminal behind the generation watermark receipt file, preserve for portable terminal.
Step 2g, portable terminal are through the digital watermarking in the watermark receipt file that extracts the payment platform transmission; And the digital watermarking of extracting and local stored numbers watermark compared the legitimacy of the electronic receipt that the validation of payment platform sends; When verifying that the result is legal, replace original watermark receipt file and preserve.
Step 303, payment platform and circle are deposited the platform clearing of paying.
Payment and settlement is mainly deposited between the platform at payment platform and circle and is carried out.The process of payment and settlement mainly is early stage, and circle is deposited platform and is meant mainly that portable terminal is deposited on the platform at circle and opens an account, and deposits real money in, and on payment platform, carries out actual consumption and transaction.In the present embodiment, consider the diversity that circle is deposited platform and payment platform, enclose deposit platform can for own corresponding mobile terminal when opening an account, sign and issue the watermark receipt file of digital watermarking with own characteristic.In payment process, after payment platform extracts digital watermarking, judge that according to digital watermarking this portable terminal deposits platform at which circle and open an account and deposit.When in settlement process, then deposit platform and submit the recorded information of this transaction to and carry the watermark receipt file of digital watermarking so to this circle.Circle deposit platform after the legitimacy of verifying transaction record through digital watermarking and payment platform carry out the clearing of fund.
In order to prevent that other platforms from carrying out distorting of malice for the information in the electronic receipt.When generating electronic receipt, circle is deposited platform and is just set for the authority of electronic receipt.The authority of only checking and verifying for portable terminal, and can not make amendment and delete electronic receipt; Can reduce the remaining sum in the electronic receipt for payment platform, add authorities such as transaction record; Circle is deposited platform as the distribution unit of electronic receipt and the management unit of account, has checking, revises and sign and issue again new functions such as electronic receipt for electronic receipt.
Further, enclose the safety certification of depositing platform and payment platform and can carry out authentication through CA in addition with authority.Optional, can also deposit the payment platform of regularly preserving online registration in the platform at circle, to guarantee in the real trade process, can not cause the disorder of transaction because of the safety defect of payment platform.
In sum; Present embodiment is encrypted electronic receipt through digital watermark technology has following beneficial effect: the safety that 1, can realize electric payment transaction; And can judge the true and false of electronic receipt through digital watermarking, increase the reality of paying by mails and experience.2, can make portable terminal needn't carry out encryption and decryption and handle, alleviate the processing burden of portable terminal.3, electronic cash is deposited electronic receipt from circle and is begun just to have had anti-false sign, prevents because the problem that safety defects such as portable terminal cause electronic receipt to be distorted, forge has further improved the security of paying by mails.4,, be convenient to the reviewing of funds flow of electronic cash through in electronic receipt, adding transaction record information.
The structural representation of the portable terminal that Fig. 4 provides for one embodiment of the invention.As shown in Figure 4, the portable terminal of present embodiment comprises: acquisition module 41 and Payment Request sending module 42.
Wherein, acquisition module 41 is used to obtain circle and deposits the first watermark receipt file that platform sends, and the said first watermark receipt file adds digital watermarking by electronic receipt and forms.Payment Request sending module 42; Be connected with acquisition module 41; Be used for sending Payment Request to payment platform; So that deduct dealing money in the electronic receipt of the legal back of the electronic receipt of payment platform in the checking first watermark receipt file from the said first watermark receipt file, said Payment Request comprises the first watermark receipt file that account, password, dealing money and acquisition module 41 obtain.
Each functional module of present embodiment portable terminal can be used for carrying out the flow process of electric paying method shown in Figure 1, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The portable terminal of present embodiment through obtaining the watermark receipt file that adds digital watermarking, and directly generates Payment Request based on the watermark receipt file that obtains, and sends to payment platform with the flow process of paying.Based on the digital watermarking in the watermark receipt file; The portable terminal of present embodiment need not carry out encryption and decryption to watermark receipt file; Need not carry out encryption to Payment Request yet; Alleviated the processing burden of portable terminal in electronic payment process, reduced the requirement of electronic payment process the portable terminal processing power.In addition, the portable terminal of present embodiment carries out the electronic cash payment based on digital watermarking, can avoid because of the low problem that causes electronic receipt to be distorted or copy of mobile terminal side security, the security that has improved electronic receipt itself; Simultaneously, the portable terminal of present embodiment need not carry out authenticity verification to electronic receipt, and this is convenient with regard to bringing for electronic payment process.
The structural representation of the portable terminal that Fig. 5 provides for another embodiment of the present invention.Present embodiment is based on realization embodiment illustrated in fig. 4, and is as shown in Figure 5, and the portable terminal of present embodiment also comprises except comprising acquisition module 41 and Payment Request sending module 42: circle is deposited request sending module 43.
Circle is deposited request sending module 43; Be used for depositing platform and send the request of depositing of enclosing to circle; So that depositing legal back electronic receipt in the second watermark receipt file is enclosed of the electronic receipt of platform in the checking second watermark receipt file, circle deposits processing; Give portable terminal to generate the first watermark receipt file cocurrent; The request of depositing of said circle comprises that account, password, circle deposit the amount of money and the second watermark receipt file, and the said second watermark receipt file is the watermark receipt file of the current use of portable terminal, adds digital watermarking by electronic receipt and forms.Optional, circle is deposited request sending module 43 and is connected with acquisition module 41, is used for to acquisition module 41 the first watermark receipt file being provided.Acquisition module 41 specifically is used to receive circle and deposits the first watermark receipt file that platform sends.
Further, the portable terminal of present embodiment also comprises: replacement processing module 44.
Replacement processing module 44; Be used for the first watermark receipt file that acquisition module 41 obtains is carried out the watermark extracting operation; From the first watermark receipt file, obtain digital watermarking and electronic receipt; With local stored numbers watermark and from the digital watermarking of obtaining the first watermark receipt file compare, the legitimacy of the electronic receipt that from the first watermark receipt file, obtains with checking is when local stored numbers watermark is identical with the digital watermarking of from the first watermark receipt file, obtaining; Replace the second watermark receipt file with the first watermark receipt file, and deposit platform transmission circle to circle and deposit response.Optional, replacement processing module 44 is deposited request sending module 43 with acquisition module 41 and circle respectively and is connected, and the first watermark receipt file that is used for that acquisition module 41 is obtained offers circle as the second watermark receipt file and deposits request sending module 43.
Above-mentioned each functional module can be used for the corresponding flow process in the execution graph 1-method shown in Figure 3, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The portable terminal of present embodiment can be deposited platform transmission circle to circle through above-mentioned module and deposit request, to deposit the amount of money at the electronic receipt centre circle, for follow-up paying based on the electronic cash in the electronic receipt lays the foundation.Deposit in the process at circle; The portable terminal of present embodiment need not that also electronic receipt etc. is carried out encryption and decryption and handles; Help alleviating the processing burden of portable terminal in electronic payment process equally; Help reducing the requirement of electronic payment process, and help improving the security and the convenience of E-Payment the portable terminal processing power.
The structural representation of the payment platform that Fig. 6 provides for one embodiment of the invention.As shown in Figure 6, the payment platform of present embodiment comprises: Payment Request receiver module 61, first authentication module 62 and button account processing module 63.
Wherein, Payment Request receiver module 61; Be used for the Payment Request that mobile terminal receive sends; Said Payment Request comprises account, password, dealing money and the first watermark receipt file, and the said first watermark receipt file is the watermark receipt file that portable terminal gets access in advance, adds digital watermarking by electronic receipt and forms.
First authentication module 62; Be connected with Payment Request receiver module 61; Digital watermarking in account, password and the first watermark receipt file of the Payment Request that is used for receiving according to Payment Request receiver module 61 is carried out legitimate verification to the electronic receipt in the first watermark receipt file.
Button account processing module 63 is connected with first authentication module 62, is used for checking result at first authentication module 62 and is the electronic receipt of the first watermark receipt file when legal, deducts dealing money in the electronic receipt from the first watermark receipt file.
Each functional module of present embodiment payment platform can be used for carrying out the flow process of electric paying method shown in Figure 1, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The payment platform of present embodiment; Match with the portable terminal that the embodiment of the invention provides; Use the watermark receipt file that adds digital watermarking to carry out the electronic cash payment, need not encrypt watermark receipt file based on the digital watermarking portable terminal that adds, payment platform need not deciphered watermark receipt file yet; Alleviate the processing burden of payment platform, helped improving the security and the convenience of E-Payment.
The structural representation of the payment platform that Fig. 7 provides for another embodiment of the present invention.Present embodiment is based on realization embodiment illustrated in fig. 6, and is as shown in Figure 7, and first authentication module 62 of present embodiment comprises: first authentication unit 621, first comparing unit 622 and first are confirmed unit 623.
Wherein, first authentication unit 621 is connected with Payment Request receiver module 61, is used for according to local stored numbers watermark, and whether the digital watermarking in the first watermark receipt file that validation of payment request receiver module 61 obtains is correct.
First comparing unit 622; Be connected with first authentication unit 621; Be used for checking result at first authentication unit 621 and be the digital watermarking of the first watermark receipt file when correct; With the account in the Payment Request, password respectively with the first watermark receipt file in electronic receipt in account, password compare, to verify the legitimacy of the electronic receipt in the first watermark receipt file.
First confirms unit 623; Be connected with first comparing unit 622 with first authentication unit 621; Be used for the comparative result of first comparing unit 622 be Payment Request number of the account, password respectively with the first watermark receipt file in electronic receipt in account, when password is identical; Confirm that the electronic receipt in the first watermark receipt file is legal; And be that digital watermarking in the first watermark receipt file is incorrect in the checking result of first authentication unit 621; Perhaps the comparative result of first comparing unit 622 be account, password in the electronic receipt in number of the account, password and the first watermark receipt file in the Payment Request one of them is inequality at least, confirm that the electronic receipt in the first watermark receipt file is illegal.
Further, the payment platform of present embodiment also comprises: file generating module 64, file send module 65 and payment response receiver module 66.
File generating module 64; Be connected with button account processing module 63; Be used for the payment transaction information of record is added in the electronic receipt that button account processing module 63 carries out the first watermark receipt file after the fee deduction treatment, and be that electronic receipt in the first watermark receipt file adds local stored numbers watermark to form the 3rd watermark receipt file again.File send module 65 is connected with file generating module 64, is used for the 3rd watermark receipt file that file generating module 64 generates is sent to portable terminal.Payment response receiver module 66 is used for the payment response that mobile terminal receive sends.Optional; Payment response receiver module 66 is connected with file send module 65; Be used for after the 3rd watermark receipt file that file send module 65 will generate sends to portable terminal the payment response that mobile terminal receive sends after receiving the 3rd watermark receipt file that file send module 65 is sent.
Further, the payment platform of present embodiment also comprises: settlement requests sending module 67.
Settlement requests sending module 67; Be used for depositing platform and send settlement requests to circle; Deposit platform after the electronic receipt of checking in the 3rd watermark receipt file is legal for circle; Accomplish clearing according to electronic receipt in the 3rd watermark receipt file and payment platform, said settlement requests comprises the 3rd watermark receipt file that number of the account, password and file generating module 64 generate.Optional, settlement requests sending module 67 is connected with payment response receiver module 66 with file generating module 64, is used for after payment response receiver module 66 receives payment response, deposits platform to circle and sends settlement requests, to deposit the platform clearing of paying with circle.
Above-mentioned each functional module or unit can be used for the corresponding flow process in the execution graph 1-method shown in Figure 3, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The payment platform of present embodiment; Match with the portable terminal that the embodiment of the invention provides; Use the watermark receipt file that adds digital watermarking to carry out the electronic cash payment, need not encrypt watermark receipt file based on the digital watermarking portable terminal that adds, payment platform need not deciphered watermark receipt file yet; Alleviate the processing burden of payment platform, helped improving the efficient of E-Payment.In addition, the recorded information that the payment platform of present embodiment is handled the button account in electronic payment process is added to help in the electronic receipt flow direction of electronic cash followed the tracks of with problem and is searched, and for the professional development of later E-Payment, brings great convenience.
The circle that Fig. 8 provides for one embodiment of the invention is deposited the structural representation of platform.As shown in Figure 8, the circle of present embodiment is deposited platform and comprised: circle is deposited request receiver module 81, second authentication module 82 and circle and is deposited processing module 83.
Wherein, Circle is deposited request receiver module 81; The circle that is used for the mobile terminal receive transmission is deposited request; The request of depositing of said circle comprises that account, password, circle deposit the amount of money and the second watermark receipt file, and the said second watermark receipt file is the watermark receipt file of the current use of portable terminal, adds digital watermarking by electronic receipt and forms.
Second authentication module 82; Depositing request receiver module 81 with circle is connected; Be used for depositing the circle of asking receiver module 81 to receive and deposit the digital watermarking in account, password and the second watermark receipt file of request, the electronic receipt in the second watermark receipt file is carried out legitimate verification according to circle.
Circle is deposited processing module 83; Depositing request receiver module 81 with second authentication module 82 and circle is connected; Be used for checking result at second authentication module 82 and be the electronic receipt of the second watermark receipt file when legal; Deposit the amount of money according to circle and the electronic receipt in the second watermark receipt file is enclosed deposit processing, generating the first watermark receipt file, and the first watermark receipt file is sent to portable terminal.
Each functional module that the present embodiment circle is deposited platform can be used for carrying out the flow process of electronic cash circle deposit method shown in Figure 2, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The circle of present embodiment is deposited platform; Match with the portable terminal that the embodiment of the invention provides; It is the watermark receipt file that portable terminal generates embed digital watermark that circle is deposited platform, makes portable terminal in the electronic cash payment process, need not carry out encryption and decryption to electronic receipt, watermark receipt file etc., has alleviated the processing burden of portable terminal; Reduced the requirement of electronic cash payment, condition is provided for improving security and the convenience paid by mails to the processing power of portable terminal.
The circle that Fig. 9 provides for another embodiment of the present invention is deposited the structural representation of platform.Present embodiment is based on realization embodiment illustrated in fig. 8, and is as shown in Figure 9, and second authentication module 82 of present embodiment comprises: second authentication unit 821, second comparing unit 822 and second are confirmed unit 823.
Wherein, second authentication unit 821 is deposited request receiver module 81 with circle and is connected, is used for according to local stored numbers watermark, and whether checking circle is deposited the digital watermarking of asking in the second watermark receipt file that receiver module 81 receives correct.
Second comparing unit 822; Be connected with second authentication unit 821; Being used in the checking result with second authentication unit 821 is that the digital watermarking of the second watermark receipt file is when correct; With circle deposit account in the request, password respectively with the second watermark receipt file in electronic receipt in account, password compare, to verify the legitimacy of the electronic receipt in the second watermark receipt file.
Second confirms unit 823; Be connected with second comparing unit 822 with second authentication unit 821; Be used for the comparative result of second comparing unit 822 is deposited request for circle number of the account, password respectively with the second watermark receipt file in electronic receipt in account, password identical; Confirm that the electronic receipt in the second watermark receipt file is legal; And be that digital watermarking in the second watermark receipt file is incorrect in the checking result of second authentication unit 821; Perhaps when the comparative result of second comparing unit 822 is deposited account, password in the electronic receipt in number of the account, password and the second watermark receipt file in the request one of them is inequality at least for circle, confirm that the electronic receipt in the second watermark receipt file is illegal.
The circle of present embodiment is deposited processing module 83 and can specifically be used for circle is deposited the amount of money and more voxels compares; If circle is deposited the amount of money and is less than or equal to more voxels; Deposit the amount of money according to circle and rewrite the remaining sum in the electronic receipt that from the second watermark receipt file, obtains; Then for the electronic receipt behind the rewriting remaining sum adds local stored numbers watermark, to form the first watermark receipt file.
Further, the circle of present embodiment is deposited platform and can also be comprised: circle is deposited response receiver module 84.Circle is deposited response receiver module 84, and the circle that is used for the mobile terminal receive transmission is deposited response.Optional, circle is deposited response receiver module 84 and is deposited processing module 83 with circle and be connected, and is used for depositing processing module 83 after portable terminal sends the first watermark receipt file at circle, and the circle of mobile terminal receive transmission is deposited response.
Further, the circle of present embodiment is deposited platform and can also be comprised: settlement requests receiver module 85, the 3rd authentication module 86 and settlement handler module 87.
Settlement requests receiver module 85 is used to receive the settlement requests that payment platform sends, and said settlement requests comprises number of the account, password and the 3rd watermark receipt file.
The 3rd authentication module 86; Be connected with settlement requests receiver module 85; Digital watermarking in number of the account, password and the 3rd watermark receipt file of the settlement requests that is used for receiving according to settlement requests receiver module 85 is carried out legitimate verification to the electronic receipt in the 3rd watermark receipt file.
Settlement handler module 87 is connected with the 3rd authentication module 86, is used for checking result at the 3rd authentication module 86 and is the electronic receipt of the 3rd watermark receipt file when legal, accomplishes clearing according to electronic receipt in the 3rd watermark receipt file and payment platform.
Above-mentioned each functional module or unit can be used for the corresponding flow process in the execution graph 1-method shown in Figure 3, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The circle of present embodiment is deposited platform; Generate the watermark receipt file of embed digital watermark for portable terminal; Make portable terminal in the electronic cash payment process, need not carry out encryption and decryption to electronic receipt, watermark receipt file etc.; Alleviated the processing burden of portable terminal, reduced the requirement of electronic cash payment the processing power of portable terminal.In addition, the circle of present embodiment is deposited platform, with payment platform also based on the digital watermarking clearing of paying, help improving the security and the convenience of E-Payment.
The structural representation of the electronic fare payment system that Figure 10 provides for one embodiment of the invention.Shown in figure 10, the system of present embodiment comprises: portable terminal 1001, circle are deposited platform 1002 and payment platform 1003.Portable terminal 1001 is deposited platform 1002 with circle respectively and is connected with payment platform 1003, and circle is deposited platform 1002 and is connected with payment platform 1003.
Wherein, the structure of portable terminal 1001 can be referring to Fig. 4 or shown in Figure 5, and enclosing the structure of depositing platform 1002 can be referring to Fig. 8 or shown in Figure 9, and the structure of payment platform can be referring to Fig. 6 or shown in Figure 7.
Portable terminal 1001 and circle are deposited platform 1002 and are carried out flow process and payment platform 1003 that flow process that amount of money circle deposits, portable terminal 1001 and payment platform 1003 carry out the electronic cash payment and circle and deposit the pay flow process of clearing of platform 1002 and can repeat no more at this referring to the corresponding description of Fig. 1-method shown in Figure 3.
The electronic fare payment system of present embodiment; Through using digital watermark technology electronic receipt is encrypted; The operation that electronic receipt is added digital watermarking deposits platform by circle and payment platform carries out; Portable terminal only needs directly to send to payment platform in the electronic cash transaction process and comprises that the Payment Request of watermark receipt file gets final product; Need not to carry out the encryption and decryption operation, alleviated the processing burden of portable terminal in electronic payment process, reduced the requirement of electronic payment process the portable terminal processing power; Pay by mails based on digital watermarking in addition, also help and improve security and the convenience of paying by mails.
One of ordinary skill in the art will appreciate that: all or part of step that realizes above-mentioned each method embodiment can be accomplished through the relevant hardware of programmed instruction.Aforesaid program can be stored in the computer read/write memory medium.This program the step that comprises above-mentioned each method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
What should explain at last is: above each embodiment is only in order to explaining technical scheme of the present invention, but not to its restriction; Although the present invention has been carried out detailed explanation with reference to aforementioned each embodiment; Those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, perhaps to wherein part or all technical characteristic are equal to replacement; And these are revised or replacement, do not make the scope of the essence disengaging various embodiments of the present invention technical scheme of relevant art scheme.

Claims (21)

1. an electric paying method is characterized in that, comprising:
The Payment Request that the payment platform mobile terminal receive sends; Said Payment Request comprises the watermark receipt file that account, password, dealing money and said portable terminal get access in advance; The watermark receipt file that said portable terminal gets access in advance is the first watermark receipt file, and the said first watermark receipt file adds digital watermarking by electronic receipt and forms;
Said payment platform carries out legitimate verification according to the digital watermarking in the account in the said Payment Request, password and the said first watermark receipt file to the electronic receipt in the said first watermark receipt file;
In the checking result be electronic receipt in said first watermark receipt file when legal, deducts said dealing money in the electronic receipt of said payment platform from the said first watermark receipt file.
2. electric paying method according to claim 1; It is characterized in that; Said payment platform carries out legitimate verification to the electronic receipt in the said first watermark receipt file and comprises according to the digital watermarking in the account in the said Payment Request, password and the said first watermark receipt file:
Said payment platform verifies according to local stored numbers watermark whether the digital watermarking in the said first watermark receipt file is correct;
If the digital watermarking in the said first watermark receipt file is correct; Said payment platform with the account in the said Payment Request, password respectively with the said first watermark receipt file in electronic receipt in account, password compare, with the legitimacy of the electronic receipt that from the said first watermark receipt file, obtains of checking;
If the number of the account in the said Payment Request, password respectively with the said first watermark receipt file in electronic receipt in account, password identical, said payment platform confirms that the electronic receipt in the said first watermark receipt file is legal;
If the digital watermarking in the said first watermark receipt file is incorrect; One of them is inequality at least for account in the electronic receipt in number of the account in the perhaps said Payment Request, password and the said first watermark receipt file, password, and said payment platform confirms that the electronic receipt in the said first watermark receipt file is illegal.
3. electric paying method according to claim 1 and 2 is characterized in that, said portable terminal obtains the said first watermark receipt file in advance and comprises:
Circle is deposited platform and is received the circle that said portable terminal sends and deposit request; The request of depositing of said circle comprises said account, said password, encloses and deposit the watermark receipt file of the amount of money and the current use of said portable terminal; The watermark receipt file of the current use of said portable terminal is the second watermark receipt file, and the said second watermark receipt file adds digital watermarking by electronic receipt and forms;
Said circle is deposited platform and is deposited the digital watermarking in the said account in the request, said password and the said second watermark receipt file according to said circle, and the electronic receipt in the said second watermark receipt file is carried out legitimate verification;
In the checking result is that electronic receipt in the said second watermark receipt file is when legal; Said circle is deposited platform and is deposited the amount of money according to said circle and the electronic receipt in the said second watermark receipt file is enclosed deposit processing; Generating the said first watermark receipt file, and the said first watermark receipt file is sent to said portable terminal.
4. electric paying method according to claim 3; It is characterized in that; Said circle is deposited platform and is deposited the digital watermarking in the said account in the request, said password and the said second watermark receipt file according to said circle, the electronic receipt in the said second watermark receipt file is carried out legitimate verification comprise:
Said circle is deposited platform according to local stored numbers watermark, verifies whether the digital watermarking in the said second watermark receipt file is correct;
If the digital watermarking in the said second watermark receipt file is correct; Said payment platform with said circle deposit the said account in the request, said password respectively with the said second watermark receipt file in electronic receipt in account, password compare, to verify the legitimacy of the electronic receipt in the said second watermark receipt file;
If said circle deposit the said number of the account in the request, said password respectively with the said second watermark receipt file in electronic receipt in account, password identical, said circle is deposited platform and is confirmed that the electronic receipt in the said second watermark receipt file is legal;
If the digital watermarking in the said second watermark receipt file is incorrect; Perhaps said circle is deposited account in the electronic receipt in the said number of the account in the request, said password and the said second watermark receipt file, password, and one of them is inequality at least, and said circle is deposited platform and confirmed that the electronic receipt in the said second watermark receipt file is illegal.
5. electric paying method according to claim 3 is characterized in that, said circle is deposited platform and deposited the amount of money according to said circle and the electronic receipt in the said second watermark receipt file is enclosed deposit processing, comprises to generate the said first watermark receipt file:
Said circle deposits that platform is deposited the amount of money with said circle and said more voxels compares;
If depositing the amount of money, said circle is less than or equal to said more voxels; Said circle is deposited platform and is deposited the amount of money according to said circle and rewrite the remaining sum in the electronic receipt from the said second watermark receipt file, obtain; Then for the electronic receipt behind the rewriting remaining sum adds said local stored numbers watermark, to form the said first watermark receipt file.
6. electric paying method according to claim 3 is characterized in that, said circle is deposited platform and the said first watermark receipt file is sent to also comprised after the said portable terminal:
Said portable terminal receives the said first watermark receipt file;
Said portable terminal carries out the watermark extracting operation to the said first watermark receipt file, from the said first watermark receipt file, obtains digital watermarking and electronic receipt;
Said portable terminal compares the local stored numbers watermark and the digital watermarking of from the said first watermark receipt file, obtaining, the legitimacy of the electronic receipt that from the said first watermark receipt file, obtains with checking;
When said local stored numbers watermark is identical with the digital watermarking of from the said first watermark receipt file, obtaining; The said first watermark receipt file of said used for mobile terminal is replaced the said second watermark receipt file, and deposits platform transmission circle to said circle and deposit response.
7. electric paying method according to claim 1 and 2 is characterized in that, comprises after the said dealing money of deduction in the electronic receipt of said payment platform from the said first watermark receipt file:
Said payment platform adds the payment transaction information of record in the electronic receipt in the said first watermark receipt file to, and adds local stored numbers watermark to form the 3rd watermark receipt file for the electronic receipt in the said first watermark receipt file again;
Said payment platform sends to said portable terminal with said the 3rd watermark receipt file;
Said payment platform receives the payment response that said portable terminal sends.
8. electric paying method according to claim 7 is characterized in that, also comprises:
Said circle is deposited platform and is received the settlement requests that said payment platform sends, and said settlement requests comprises said number of the account, said password and said the 3rd watermark receipt file;
Said circle is deposited platform according to the digital watermarking in the said number of the account in the said settlement requests, said password and said the 3rd watermark receipt file, and the electronic receipt in said the 3rd watermark receipt file is carried out legitimate verification;
In the checking result be electronic receipt in said the 3rd watermark receipt file when legal, and said circle is deposited platform and settled accounts according to electronic receipt in said the 3rd watermark receipt file and the completion of said payment platform.
9. a portable terminal is characterized in that, comprising:
Acquisition module is used to obtain circle and deposits the first watermark receipt file that platform sends, and the said first watermark receipt file adds digital watermarking by electronic receipt and forms;
The Payment Request sending module; Be used for sending Payment Request to payment platform; So that deduct dealing money in the electronic receipt of the legal back of the electronic receipt of said payment platform in the said first watermark receipt file of checking from the said first watermark receipt file, said Payment Request comprises account, password, said dealing money and the said first watermark receipt file.
10. portable terminal according to claim 9 is characterized in that, also comprises:
Circle is deposited request sending module; Be used for depositing platform and send the request of depositing of enclosing to said circle; So that depositing legal back electronic receipt in the said second watermark receipt file is enclosed of the electronic receipt of platform in the checking second watermark receipt file, said circle deposits processing; Give said portable terminal to generate the said first watermark receipt file cocurrent; The request of depositing of said circle comprises said account, said password, encloses and deposit the amount of money and the said second watermark receipt file, and the said second watermark receipt file is the watermark receipt file of the current use of said portable terminal, and the said second watermark receipt file adds digital watermarking by electronic receipt and forms.
11. portable terminal according to claim 10 is characterized in that, also comprises:
Replacement processing module; Be used for the said first watermark receipt file is carried out the watermark extracting operation; From the said first watermark receipt file, obtain digital watermarking and electronic receipt; The local stored numbers watermark and the digital watermarking of from the said first watermark receipt file, obtaining are compared, and the legitimacy of the electronic receipt that from the said first watermark receipt file, obtains with checking is when said local stored numbers watermark is identical with the digital watermarking of from the said first watermark receipt file, obtaining; Replace the said second watermark receipt file with the said first watermark receipt file, and deposit platform transmission circle to said circle and deposit response.
12. a payment platform is characterized in that, comprising:
The Payment Request receiver module; Be used for the Payment Request that mobile terminal receive sends; Said Payment Request comprises account, password, dealing money and the first watermark receipt file; The said first watermark receipt file is the watermark receipt file that said portable terminal gets access in advance, adds digital watermarking by electronic receipt and forms;
First authentication module is used for the digital watermarking in account, password and the said first watermark receipt file according to said Payment Request, and the electronic receipt in the said first watermark receipt file is carried out legitimate verification;
Button account processing module is used for being the electronic receipt of said first watermark receipt file when legal, the said dealing money of deduction in the electronic receipt of said payment platform from the said first watermark receipt file in the checking result of said first authentication module.
13. payment platform according to claim 12 is characterized in that, said first authentication module comprises:
First authentication unit is used for according to local stored numbers watermark, verifies whether the digital watermarking in the said first watermark receipt file is correct;
First comparing unit; Be used for being the digital watermarking of said first watermark receipt file when correct in the checking result of said first authentication unit; With the account in the said Payment Request, password respectively with the said first watermark receipt file in electronic receipt in account, password compare, to verify the legitimacy of the electronic receipt in the said first watermark receipt file;
First confirms the unit; Be used for the comparative result of said first comparing unit be said Payment Request number of the account, password respectively with the said first watermark receipt file in electronic receipt in account, when password is identical; Confirm that the electronic receipt in the said first watermark receipt file is legal; And be that digital watermarking in the said first watermark receipt file is incorrect in the checking result of said first authentication unit; Perhaps the comparative result of said first comparing unit be account, password in the electronic receipt in number of the account, password and the said first watermark receipt file in the said Payment Request one of them is inequality at least, confirm that the electronic receipt in the said first watermark receipt file is illegal.
14. according to claim 12 or 13 described payment platforms, it is characterized in that, also comprise:
File generating module; Be used for the payment transaction information of record is added in the electronic receipt of the said first watermark receipt file, and add local stored numbers watermark to form the 3rd watermark receipt file for the electronic receipt in the said first watermark receipt file again;
File send module is used for said the 3rd watermark receipt file is sent to said portable terminal;
The payment response receiver module is used to receive the payment response that said portable terminal sends.
15. payment platform according to claim 14 is characterized in that, also comprises:
The settlement requests sending module; Be used for depositing platform and send settlement requests to circle; Deposit platform after the electronic receipt of checking in said the 3rd watermark receipt file is legal for said circle; Accomplish clearing according to electronic receipt in said the 3rd watermark receipt file and said payment platform, said settlement requests comprises said number of the account, said password and said the 3rd watermark receipt file.
16. an Artenkreis is deposited platform, it is characterized in that, comprising:
Circle is deposited the request receiver module; The circle that is used for the mobile terminal receive transmission is deposited request; The request of depositing of said circle comprises that account, password, circle deposit the amount of money and the second watermark receipt file; The said second watermark receipt file is the watermark receipt file of the current use of said portable terminal, adds digital watermarking by electronic receipt and forms;
Second authentication module is used for depositing the digital watermarking in the said account of request, said password and the said second watermark receipt file according to said circle, and the electronic receipt in the said second watermark receipt file is carried out legitimate verification;
Circle is deposited processing module; Be used for being the electronic receipt of said second watermark receipt file when legal in the checking result of said second authentication module; Depositing the amount of money according to said circle encloses the electronic receipt in the said second watermark receipt file and deposits processing; Generating the said first watermark receipt file, and the said first watermark receipt file is sent to said portable terminal.
17. circle according to claim 16 is deposited platform, it is characterized in that, said second authentication module comprises:
Second authentication unit is used for according to local stored numbers watermark, verifies whether the digital watermarking in the said second watermark receipt file is correct;
Second comparing unit; Be used for being the digital watermarking of said second watermark receipt file when correct in the result of said second authentication unit; With said circle deposit the said account in the request, said password respectively with the said second watermark receipt file in electronic receipt in account, password compare, to verify the legitimacy of the electronic receipt in the said second watermark receipt file;
Second confirms the unit; Be used for comparative result at said second comparing unit and be the said number of the account that said circle deposits request, said password respectively with the said second watermark receipt file in electronic receipt in account, when password is identical; Confirm that the electronic receipt in the said second watermark receipt file is legal; And be that digital watermarking in the said second watermark receipt file is when incorrect in the checking result of said second authentication unit; Be that said circle is deposited account in the electronic receipt in the said number of the account in the request, said password and the said second watermark receipt file, password one of them is inequality at least perhaps, confirm that the electronic receipt in the said second watermark receipt file is illegal at the comparative result of said second comparing unit.
18. deposit platform according to claim 16 or 17 described circles; It is characterized in that; Said circle is deposited processing module and specifically is used for said circle is deposited the amount of money and said more voxels compares; If depositing the amount of money, said circle is less than or equal to said more voxels; Deposit the amount of money according to said circle and rewrite the remaining sum in the electronic receipt that from the said second watermark receipt file, obtains, then for the electronic receipt behind the rewriting remaining sum adds said local stored numbers watermark, to form the said first watermark receipt file.
19. deposit platform according to claim 16 or 17 described circles, it is characterized in that, also comprise:
Circle is deposited the response receiver module, is used to receive the circle that said portable terminal sends and deposits response.
20. deposit platform according to claim 16 or 17 described circles, it is characterized in that, also comprise:
The settlement requests receiver module is used to receive the settlement requests that payment platform sends, and said settlement requests comprises said number of the account, said password and said the 3rd watermark receipt file;
The 3rd authentication module is used for the digital watermarking in the said number of the account according to said settlement requests, said password and said the 3rd watermark receipt file, and the electronic receipt in said the 3rd watermark receipt file is carried out legitimate verification;
Settlement handler module is used for being the electronic receipt of said the 3rd watermark receipt file when legal in the checking result of said the 3rd authentication module, and said circle is deposited platform and accomplished with said payment platform according to the electronic receipt in said the 3rd watermark receipt file and settle accounts.
21. an electronic fare payment system comprises that each described portable terminal of claim 9-11, each described payment platform of claim 12-15 and each described circle of claim 16-20 deposit platform.
CN2012100655396A 2012-03-13 2012-03-13 Method and system for electronic payment, mobile terminal, platform for load and payment platform Pending CN102663587A (en)

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CN105528707A (en) * 2015-11-26 2016-04-27 南京林业大学 Digital watermarking based anti-counterfeiting identification system of mobile phone
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CN107767140A (en) * 2017-10-02 2018-03-06 头等尝网络餐饮管理科技（深圳）有限公司 Method of payment, device, equipment and readable storage medium storing program for executing

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CN101034449A (en) * 2007-04-17 2007-09-12 华中科技大学 Method, system and mobile terminal for implementing electronic payment
CN101377837A (en) * 2007-08-29 2009-03-04 北京方维银通科技有限公司 Method for generating and checking electronic check two-dimension code credence
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CN103870959A (en) * 2012-12-14 2014-06-18 北京旋极信息技术股份有限公司 Batch electronic transaction processing method and electronic signature device
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CN105528707A (en) * 2015-11-26 2016-04-27 南京林业大学 Digital watermarking based anti-counterfeiting identification system of mobile phone
CN107767140A (en) * 2017-10-02 2018-03-06 头等尝网络餐饮管理科技（深圳）有限公司 Method of payment, device, equipment and readable storage medium storing program for executing

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Application publication date: 20120912